Ulster Savings Bank is a bank based in Kingston, New York, established in 1851, with $1.4 billion in total assets across 15 branches. By Trust Grade it ranks 79th of 118 banks we track in New York. Its capital ratio of 9.0% trails most similarly sized banks (22th percentile), versus a New York median of 10.4%. It was profitable over the most recent period, with a 0.59% return on assets. No consumer complaints against Ulster Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Ulster Savings Bank compares to New York peers
How we graded Ulster Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Profitable (ROA 0.59%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Ulster Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (15)
- 180 Schwenk Dr, Kingston, NY 12401
- 226 Main St, New Paltz, NY 12561
- 39 Burnett Blvd, Poughkeepsie, NY 12603
- 2680 South Rd, Poughkeepsie, NY 12601
- 280 Wall St, Kingston, NY 12401
- 1 Twin Maples Plaza, Route 9-W, Saugerties, NY 12477
- 3857 Main St, Stone Ridge, NY 12484
- 7296 S Broadway, Red Hook, NY 12571
- 1387 Route 9, Wappingers Falls, NY 12590
- 58 Main St Fl 1, Phoenicia, NY 12464
- 2201 Route 44 55, Gardiner, NY 12525
- 68 Mill Hill Rd, Woodstock, NY 12498
- 1208 Route 300, Newburgh, NY 12550
- 1571 Ulster Ave, Lake Katrine, NY 12449
- 4240 Albany Post Rd, Hyde Park, NY 12538
Are deposits at Ulster Savings Bank insured?
Yes. Ulster Savings Bank is an FDIC-insured bank (FDIC certificate #15970). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Ulster Savings Bank: frequently asked questions
Is Ulster Savings Bank a good bank?
Ulster Savings Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Profitable (ROA 0.59%).
Is Ulster Savings Bank FDIC-insured?
Yes. Ulster Savings Bank is a FDIC-insured bank (FDIC certificate #15970). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Ulster Savings Bank?
Ulster Savings Bank holds $1.4 billion in total assets, ranking 79th of 118 banks we track in New York. It operates 15 branches.
Does Ulster Savings Bank have CFPB complaints?
No CFPB complaints against Ulster Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
